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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $161,322 | $183,592-12.1% | $155,574+3.7% | $145,877+10.6% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 17.49% | 61.37%-43.9pp | 64.87%-47.4pp | 551.28%-533.8pp |
| Employer contribution / active EE | $1,496 | $5,317-71.9% | $4,676-68.0% | $4,663-67.9% |
| Participant deferral / active EE | $6,640 | $6,466+2.7% | $5,629+18.0% | $6,691-0.8% |
| Admin fee / account holder | $1,096 | $19,316-94.3% | $15,914-93.1% | $13,402-91.8% |